Credit Card Underwriting & Origination Expert

Sutherland; Perímetro Urbano Barranquilla; Remote; COP 284,783,000 - 411,353,000; Full time

Job summary

Sutherland is seeking a seasoned Credit Underwriting & Origination Specialist to lead the US credit card lifecycle—from application and account opening to portfolio management, delinquency, and collections. You will apply deep expertise in credit risk, policy, and operations to ensure compliant, efficient processes for our client programs.

Ideal candidates have experience in banks, card issuers, issuer processors, or fintech lenders, with knowledge of Experian, Equifax, and TransUnion and

Qualifications

• Significant experience within the US credit card, consumer lending, banking, fintech, or issuer-processing industries.

Responsibilities

• Serve as the primary SME for US credit card operations and the end-to-end credit lifecycle.
• Provide expert guidance on application intake, identity verification, underwriting support, credit decisioning, account setup, portfolio management, collections, and charge-off processes.
• Partner with Operations, Product, Risk, Implementation, and Client teams to drive operational effectiveness and best practices.
• Develop and maintain standard operating procedures, training materials, and operational frameworks.
• Lead initiatives to upskill teams on US credit card operations, originations, and regulatory requirements.
• Analyze operational and portfolio metrics, identifying opportunities for process improvement and enhanced performance.
• Monitor key indicators including approval rates, abandonment rates, delinquency, roll rates, charge-offs, and portfolio health metrics.
• Ensure operational processes remain aligned with regulatory and compliance requirements.
• Act as a trusted advisor for internal stakeholders and clients on all matters related to US credit card operations and lending practices.

Job description

Sutherland is seeking a seasoned Credit Underwriting & Origination Specialist to lead the US credit card lifecycle—from application and account opening to portfolio management, delinquency, and collections. You will apply deep expertise in credit risk, policy, and operations to ensure compliant, efficient processes for our client programs.

Ideal candidates have experience in banks, card issuers, issuer processors, or fintech lenders, with knowledge of Experian, Equifax, and TransUnion and